If a person can’t work because of a disability, disability insurance can replace some of the lost income – but only after the elimination period has passed. Many people don’t have enough savings to handle a long elimination period, and the financial situation can...
If you want more disability insurance approvals, you may have to steal them. We’re not encouraging you to take up a life of crime – this is more like stealing bases in baseball. If you want to steal a base, you need to understand how the sport works to time your moves...
You want the best disability insurance for your clients, so that means selling them own-occupation disability insurance – right? Not necessarily. Although own-occupation is certainly the best option for SOME workers, it may not be right for everyone. Learn more about...
Small businesses are a critical part of the American economy. The U.S. Small Business Administration says there were 33.2 million small businesses as of 2022. These businesses employed nearly half of all private industry workers in the U.S. Unfortunately, small...
It’s uncommon to close a sale during your first interaction with a prospect. Sales professionals know it usually takes multiple touches to close a deal. The exact number varies, but HubSpot says the average is around eight. That’s why most sales professionals...
Ever wish you had a free, easy and effective way to find new prospects? Wish granted. According to Pew Research Center, 72% of U.S. adults use social media. Among working-aged individuals, social media usage is even more common. Although paid social media advertising...
Some coverage is better than no coverage – but sufficient coverage is best. Unfortunately, when it comes to individual disability insurance, many people are taking risks by going with coverage that may not meet their needs. This is especially common among high-income...
It’s time to clear up some confusion about key person disability insurance premiums. Even though the policy provides coverage for financial losses associated with the disability of an employee, key person disability insurance performs differently than individual...
Does disability insurance cover pregnancy? It absolutely can. However, there are different types of disability insurance products, such as short-term disability insurance and long-term disability insurance, and the type of coverage needed may depend on whether the...
When is a person considered disabled? As illnesses and injuries have varying degrees of severity, this question isn’t as straightforward as it may seem at first. Nonetheless, some disabilities are severe enough that disability is obvious. This is called presumptive...
